Consulta BIN

Consulta BIN is a card data search service, for credit or debit, which identifies card characteristics based on the BIN (first 6 digits of the card) and returns information that allows you to validate the data filled in on the checkout screen.

• Card Brand: brand name;
• Card Type: credit, debit or multiple (credit and debit);
• Card Nationality: foreign or national (Brazil);
• Card: whether or not the card is corporate;
• Issuing Bank: code and name;
• Prepaid card: whether or not the card is prepaid.

This information allows you to take actions at the time of payment to improve the store's conversion rates.

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Contact Cielo Support Team to enable Consulta BIN.

Use Case

Based on the result of the BIN Query, you can develop functionalities in your checkout to improve usability for shoppers and, thus, help in the recovery of carts and in the best conversion of your store.

1. Avoid errors related to the brand or the type of card:

• The BIN query returns the correct brand of the card once it is associated with the BINS base of the brands; this is a much safer method than relying on algorithms on forms;

• At your store checkout, you can create a message to let the customer know if they are using a debit card when they should actually be using a credit card.

2. Offer online cart recovery

You can develop a flow at your checkout so that, if a card entered on the payment screen is multiple (credit and debit), your store can retain the card data and, if the credit transaction fails, automatically offer the shopper a debit transaction with the same card.

3. Warn about international or prepaid cards

The BIN query may indicate an attempt to use an international or prepaid card. If your store does not want to accept international or prepaid card payments, you can configure your checkout to inform the shopper that the store does not accept the card entered.

What not to do?

Don't carry out the query excessively, without it being linked to a transaction or card storage.

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Important

• To enable the BIN Query, contact the Cielo support team;
• Some BINs or brands may not have card information returned.

If the API displays error message 323, it means that BIN Query is not enabled. Contact Cielo Customer Service